DI Choice at Work Products

Income Protection Solutions for Employers and Employees

Disability Income Choice at Work* gives you everything you need to tailor income protection plans for small- to medium-sized businesses and their employees.

DI Choice at Work offers:

• Three underwriting programs: Guaranteed Standard Issue (GSI); Express Standard Issue (ESI) and Fully Underwritten
• Employer-paid, employee-paid (voluntary) and carve-out programs
• Enhanced workplace benefits
• Preferential premiums and underwriting
• Portability – employees own the policy

Employers can offer vital DI protection at little or no cost to their business.

Employees will be happy when you tell them DI Choice at Work offers preferential rates and underwriting. Our comprehensive portfolio of products protects your clients’ most valuable asset – their income.

• Accident-Only Disability
  Helps replace income in the event of an accident-related disability. Benefits begin as early as day one and last up to 24 months
• Short-Term Disability
  More comprehensive disability income insurance, covering both accident- and sickness-related disabilities. Benefits begin as early as day one (day seven for sickness) an extend to a maximum of 24 months
• Long-Term Disability
  Disability benefits that help replace income for and extended period. Typically benefit periods range from two years or until the client turns age 67 after a determined elimination period

• DI at Work Premium Savings

  • Fully Underwritten
    Program participants get a 20 percent premium savings
  • Express Standard Issue
    Program participants get a 10-20 percent premium savings, based on the group size
  • Guaranteed Standard Issue
    Program participants get a 15-25 percent premium savings, based on the group size

  • Product Highlight Sheets**

    • Accident Only Disability
    • Short-Term Disability
    • Long-Term Disability